# Ava: Build Credit Fast — Save Money with Lower Interest

> Build credit history and potentially improve credit score with credit builder card and savings account. (iPhone/iPad app by Ava Finance, Inc..)

- Source: https://appshunter.io/ios/app/ava-build-credit-fast/id1584183782 (this page in markdown: same URL + `.md`)
- Developer: [Ava Finance, Inc.](https://appshunter.io/developer/1584183784)
- Category: Finance
- Price: Free
- Rating: 4.90/5 from 49,756 App Store ratings · 904 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 146 MB
- Languages: American English, French (France), German (Germany), Polish
- Released: 2021-11-15
- Data updated: 2026-09-01
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/ava-build-credit-fast/id1584183782/reviews.md

## What is Ava?

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which may help improve your credit score over time.* A prime (700+) score may be attainable. Join us and make an impact on your credit journey.

Why Ava, you ask?

Quick Results: 74% of members who subscribed to Ava within 7 days saw a credit score increase within the first two weeks of joining.** Among those members, some saw increases of 40+ points within three months.** 

Still not convinced? There's more.

Easy Setup: Get started in less than 5 minutes.

Transparent Pricing: Starting at just $5/month for the annual plan, Ava offers a simple, affordable route to better credit history.

With Ava, you can expect:
- No hidden fees
- 0% interest
- Instant account set up with no credit check
- 0 deposit/collateral required

Included in our simple pricing are:

AVA CREDIT BUILDER CARD:
The Ava Credit Builder Card allows you to pay for over 60 online subscriptions and bills (like Netflix and Verizon) while also lowering your credit utilization.***

SAVE & BUILD CREDIT ACCOUNT:
The Save & Build Credit Account is a secured loan that helps you save money while adding an additional credit line to your report. Start with just $25/month, make on-time payments for 12 months, and get back $300. Zero interest. Origination fee in some states.**** 

A pattern of positive payment history may help strengthen your credit profile over time.

FREE MONTHLY CREDIT REPORT
Stay on top of your credit score with free credit reports in the app. Discover insights and suggestions in your report that make it easy to understand credit factors, like credit utilization and percentage of on-time payments.

DEDICATED CUSTOMER SUPPORT
Need help? Our dedicated support team is here to help. Contact us at support@meetava.com.

Ava is not a bank, Ava is a technology company that partners with technology service provider of banking related services Priority Technology Holdings, Inc., as well as Pier Lending LLC NMLS 2451164 in certain states to provide the Secured Loan Account . The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., pursuant to a license from Mastercard® International Incorporated.


* With Ava's Credit Builder Card and Save & Build Account you add two new tradelines to your credit report that helps with your credit mix (10%) and credit history (15%). With each payment made on time you help build your payment history (35%). The Credit Builder Card's credit limit helps with your credit utilization (30%). https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-affects-your-credit-scores/

** Data is for the period Jan 1, 2023 - Dec 31, 2023, and describes average outcome for members who subscribed to Ava, activated the Ava Card and were furnished to the bureaus within 7 days, and did not cancel their membership within 7 days of signing up. A credit score increase is not guaranteed.

***Approval is guaranteed when you connect a valid bank account and pass identity verification. We report on-time payments to all three credit bureaus within about 48 hours. Maintaining low utilization and consistent on-time payments may help improve your credit score over time. 

****In the following states, Ava’s Save & Build Credit Account origination fee is $12, paid as $1 per month: Georgia, Ohio, Louisiana, Indiana, Missouri, Wisconsin, Florida, Hawaii, Texas, New York, Illinois, North Carolina, Michigan, New Jersey, Virginia, Alabama, South Carolina, Tennessee, Arizona.

## Key features

- Build positive credit history
- Credit builder card for subscriptions and bills
- Save & Build Credit Account for savings and credit line
- Free monthly credit reports and insights
- Easy setup in under 5 minutes
- No hidden fees, 0% interest, no credit check, no deposit

## Chart rankings

- #153 in Top Free · Finance (US App Store)

## What do users think of Ava?

Overall sentiment: neutral

**Pros**

- 💳 Helps build credit
- 🆙 Increases credit score
- 🔍 Transparent about process
- 💰 Affordable monthly cost
- 🧭 Easy to use app
- 🗓️ Reports to credit bureaus
- 🧠 Innovative credit building concept

**Cons**

- 🔒 Strict identity verification
- 🔀 Inconsistent bank account linking
- 🤖 Poor customer service
- 💸 Misleading pricing information
- 💳 Limited credit usage
- 🔍 Lack of transparency on credit limit usage

**Commonly reported bugs**

- Autopay failure issues
- Accounts getting locked out
- Inconsistent credit score reporting

**Most requested features**

- Ability to change email address
- Improved autopay functionality
- More flexible credit limit usage
- Clearer communication on credit reporting

## Recent user reviews (10 of 904)

All indexed reviews: https://appshunter.io/ios/app/ava-build-credit-fast/id1584183782/reviews.md

### 1/5 — No credit check yet says add social to check credit

*2026-08-31, version 5.1.6626*

Smh no credit check liars

### 4/5 — Fast credit score increase

*2026-08-30, version 5.1.6626*

I’ve had a great experience using Ava! Since becoming a member, my credit score has increased by 64 points. The app is easy to use, and I’m very happy with the progress I’ve made. I would definitely recommend Ava to anyone looking to improve /increase their credit.

### 5/5 — Credit building customer

*2026-08-27, version 5.1.6626*

Excellent Experience with Ava Financial

I had an exceptionally positive experience with Ava Financial. From the beginning through the completion of my account, the company handled everything professionally and responsibly.

I especially want to recognize the Ava customer support team. Whenever I needed assistance, they were helpful, respectful, responsive, and professional. Their level of customer service made my experience with Ava even better.

After successfully completing my account, Ava reported the loan as paid with a zero balance. I was very pleased to receive notifications confirming the positive activity and that the account had been paid in full. It was a great way to complete the relationship.

I truly appreciate a financial company that not only provides a useful service but also treats its customers with professionalism and follows through properly at the end of the account.

Thank you to Ava Financial and the entire support team for the exceptional service and a very positive experience. I highly recommend Ava to others who are working responsibly on building their credit.

### 5/5 — Great card to help you out.

*2026-08-27, version 5.1.6626*

My credit went up 86 points in 2 weeks.

### 2/5 — Bad customer service

*2026-08-26, version 5.1.6626*

Charged me extra. Payment I tried to reach customer service no response 48hrs now

### 5/5 — Great app

*2026-08-23, version 5.1.5831*

Great app  it definitely helps me with my credit I recommend it

### 5/5 — Exceptional.

*2026-08-23, version 5.1.5831*

Ava has increased my credit score by 66 points total JUST on a month and change usage. Not sure why I didn’t get on sooner. The annual plan is affordable, and so are the monthly in order to get up and raise your score higher.

### 5/5 — App

*2026-08-20, version 5.1.5831*

Great app.

### 1/5 — Misleading

*2026-08-20, version 5.1.5831*

Extremely Misleading – I Regret Paying $60

I am extremely disappointed with Ava and honestly feel like I was swindled into paying for the $60 annual membership.

I originally paid the $10 monthly fee. After connecting my bank account, I was told I didn’t have enough qualifying accounts or activity and was prompted to upgrade to the annual membership for a higher credit limit. I paid the $60 annual fee with what little money I had available because I was under the impression that I would actually be able to USE the credit card.

What they do not make clear upfront is that your “credit limit” and the amount you can actually spend are two completely different things. In my case, I can only spend up to $35, and the card cannot be used like a normal credit card. It is restricted to certain approved merchants, primarily subscriptions. You have to “unlock” spending, and there are limitations that I absolutely did not understand before paying.

Had Ava clearly stated before taking my $60 that I would only have $35 available to actually spend and that the card could only be used with a limited list of approved merchants/subscriptions, I NEVER would have purchased the annual membership.

Advertising a higher credit limit while not making the extremely limited actual spending ability equally clear feels incredibly misleading. A $1,000, $1,500, or $2,500 reported credit limit means something very different when the customer can only actually spend $35 at select merchants.

I understand that this is a credit-building product, not a traditional credit card. That is not my complaint. My complaint is that these restrictions should be presented clearly BEFORE someone pays $60, not discovered afterward.

I regret spending my money on this. Ava needs to be much more transparent during signup about the actual spend limit, merchant restrictions, and exactly what customers are getting before asking them to pay for an annual membership.

### 5/5 — This is the way to build/rebuild credit

*2026-08-20, version 5.1.5831*

I’ve had Ava for only 2 months and my credit score is up 99 points!! I’m glad I chose this company.

## Frequently asked questions about Ava

### What does Ava do?

Ava is a financial technology company that helps users build a positive credit history. It offers tools like a credit builder card to pay for subscriptions and bills, and a Save & Build Credit Account which acts as a secured loan to help users save money while establishing a credit line. A pattern of positive payment history can help strengthen your credit profile over time.

### How can Ava help improve my credit score?

Ava helps build credit history by adding new tradelines to your credit report, which contributes to your credit mix and credit history. Making on-time payments on the Ava Credit Builder Card and the Save & Build Credit Account helps build your payment history. The credit limit on the Credit Builder Card also helps manage your credit utilization, all of which are factors that can influence your credit score.

### What is the pricing for Ava?

Ava offers transparent pricing starting at $8 per month for the annual plan. There are no hidden fees, 0% interest, and no deposit or collateral is required to get started. Specific states may have an origination fee for the Save & Build Credit Account.

### Is Ava available on all devices?

The provided description does not specify compatibility with different operating systems or devices. However, it is described as a mobile application, suggesting it is intended for use on smartphones and tablets.

### What are the key features of Ava?

Key features include the Ava Credit Builder Card for paying online subscriptions and bills, the Save & Build Credit Account for saving money and establishing a credit line, and free monthly credit reports with insights. The app also boasts an easy setup process in under 5 minutes and dedicated customer support.

## Version history (last 5 releases)

### 5.1.6626 — 2026-08-25

Bug fixes and performance improvements

### 5.1.6236 — 2026-08-24

Bug fixes and performance improvements

### 5.1.5831 — 2026-08-03

Bug fixes and performance improvements

### 5.1.5617 — 2026-07-08

Bug fixes and performance improvements

### 5.1.5536 — 2026-07-01

Bug fixes and performance improvements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*